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The sentimental value of items such as jewellery, antiques and heirlooms, often means they are irreplaceable. However, ensuring your valuables are covered for loss, theft or damages will mean that you are compensated by your insurer and will receive enough money to replace the item as new.

Specialist insurance, such as jewellery insurance and engagement ring insurance is available, however your valuables can often be covered by your home insurance policy. Age Co Home Insurance for over 50s offers standard cover for individual items up to the value of £2,000, but cover for higher valued items may be available on request, so it’s important to know exactly how much your items are worth.

When it comes to adding valuables to your contents insurance, it’s important to ensure you’re covered for the right amount, know when to declare specific high-value items to your insurer, and understand whether or not your jewellery and other valuables are protected while they’re away from home so that you aren’t left out of pocket should the unexpected happen.

What is a single item limit?

A single item limit is the maximum amount that an insurer will pay out for an individual item, such as a watch or a ring, should you make a claim on your home insurance policy. The single item limit applies to each item separately, so if any of your more expensive items are valued at more than the single item limit, they will need to be listed separately on your policy.

If you want to ensure your valuables are covered on your home insurance policy, it’s important to check their value against the single item limit. If their value exceeds the limit, you will be under-insured if you need to make a claim. This means you should have your items valued regularly if they are likely to increase in value, and ensure any new items are added to your policy as soon as you buy or receive them.

Most insurers will treat pairs or sets of items as one item, so be sure to take this into account when considering the value of your items against the maximum claim amount.

Age Co Home Insurance offers standard cover for individual items up to the value of £2,000, and cover for higher valued items may be available on request.

Valuing high value items and jewellery

While you may not be asked to prove how much your high value items are worth when you take out your policy, you’ll need to provide evidence of their value if you make a claim. Your valuables may be worth more than you think, so it’s important to be prepared and update your insurance company if you find that they have increased in value.

While you may not be asked to prove how much your high value items are worth when you take out your policy, you’ll need to provide evidence of their value if you make a claim. Your valuables may be worth more than you think, so it’s important to be prepared and update your insurance company if you find that they have increased in value.

High value jewellery, antiques and heirlooms

If you have any high value items, such as jewellery, antiques and heirlooms, you should have these valued by an antiques dealer, pawnbroker or jeweller who is accredited by the National Association of Goldsmiths and obtain a valuation certificate, particularly if they are especially rare or collectable.

There may be a small charge for their services, as some items will need to be sent away to be valued by an expert. However, if it’s a high value item, it’s always worthwhile paying the valuation fee to ensure you receive the correct pay-out if the item is lost or stolen.

As well as obtaining a valuation certificate, it’s important to also take photographs as evidence of the item’s condition in case you need to make a claim for accidental damage.

Watches, wedding rings and engagement rings

For any newer purchases, such as luxury watches, wedding or engagement rings it’s a good idea to keep the receipt as a proof of value at the time of purchase. If you or someone in your family receives any jewellery for a special occasion, such as a birthday, a wedding or a Christmas present, let your insurer know so it can be added to your policy.

The price of precious metals and stones can fluctuate, so again, be sure to obtain regular valuation certificates, even if the item is less than 10 years old. Remember, if you don’t have up-to-date proof of how much your item is worth, your insurer can only go by the original valuation, so you won’t be properly compensated if you make a claim.

Is my jewellery insured while I’m away from home?

As an optional extra to your contents insurance, you can ensure your valuables are protected if they are accidentally damaged in the home. However, many of us keep our high value items, such as watches and jewellery, on us at all times, so will need cover while we’re out and about or on holiday.

Personal possessions cover

Most standard contents insurance policies will cover your valuables outside the home as an optional extra. Insurers will also offer extended personal belongings cover, often known as personal possessions cover, as an add-on to the standard contents insurance policy. However, Age Co Home Insurance will cover you against theft or accidental damage, should you take your valuables out of the property with you.

Depending on the insurer, you may only be covered for certain periods of time while travelling outside the UK. They may also insist you wear your jewellery at all times or keep it safely locked away while you’re travelling abroad. With Age Co’s personal belongings extended cover, you and your family can relax safe in the knowledge that your valuables are covered anywhere in the world during the period of insurance.

Designed with the needs of over 50s in mind, Age Co Home and Contents insurance is rated 5 Stars by Defaqto and has no hidden admin fees or nasty surprises. Buying Age Co Home Insurance also helps support Age UK's charitable work. Find out more about Age Co Home Insurance.

Policy documents

If you're an existing customer, please call the friendly UK-based team on 0345 603 0512 if you need postal copies of any of your documents. Calls to 03 numbers use free plan minutes if available, otherwise, they cost the same as 01/02 prefix calls.

If your policy reference starts with 'UK' it is underwritten by Ageas. If your policy reference starts with 'AU' it is underwritten by Prestige. If you're unsure or if this doesn't apply, please get in touch.

Product Literature

Home Insurance Policy Document
(viewable in pdf, file size 3 MB) 

(viewable in pdf, file size 185 KB)
Personal Legal Protection Policy Document
(viewable in pdf, file size 1 MB) 


How to make a claim

24-hour claims helplines:

  • If your policy is underwritten by Ageas Insurance Limited, call 0345 602 5273.
  • If your policy is underwritten by Prestige Underwriting Services Limited, call 0800 028 5273.

If you are unsure who underwrites your policy, you can find this information on your policy schedule, or you can call the Age Co Home Insurance policy administration helpline on 0345 128 7916. Lines open Mon-Fri: 8am to 8pm, Sat: 9am to 1pm.

If you are aware of an incident that might lead to a claim or you need to make a claim, you must do the following as soon as possible:

What you must do for all claims:

  • Tell the police as soon as reasonably possible if something is lost or if you suspect theft or malicious damage.
  • Take all practical steps to get back any property which has been lost.
  • If you have been asked to fill in a claim form, send it back with everything that has been asked for, within 30 days of it being sent to you.
  • Immediately send to your insurer any written claim which is made against you, and provide them with full details of any verbal claims made against you.
  • Take reasonable action to protect the property from further loss or damage.

You must not:

  • Throw away, get rid of or destroy any items that are damaged until you are told to do so.
  • Admit or deny responsibility for any incident; or negotiate or settle any claims made against you by anyone else, unless it has been agreed in writing that you can.

Any claims against you can be negotiated, defended or settled in your name and on your behalf. Legal action can also be taken in your name but for the benefit of the insurer to get back any payment made under the policy.

Words written in bold/italicised have special meanings.
These meanings are explained in the policy definitions section of the policy booklet on pages 7-9.

Age Co Home Insurance is administered by Ageas Retail Limited^^

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^The UK based service team have been awarded the Feefo Platinum Trusted Service Award 2021.
*If you call the 0800 number, you will be dealing with Ageas Retail Limited.

Age Co Car, Breakdown and Home Insurance are arranged and administered by Ageas Retail Limited. Age Co Insurance Services is the trading name of Age UK Enterprises Limited, a trading subsidiary company of Age UK (registered charity no. 1128267). Age UK Enterprises Limited donates its net profit to Age UK. Both Age UK Enterprises Limited (Financial Services Register no. 311438) and Ageas Retail Limited (Financial Services Register no. 312468) are authorised and regulated by the Financial Conduct Authority. Age UK Enterprises Limited registered office: Tavis House, 1-6 Tavistock Square, London, WC1H 9NA (registered in England and Wales, number 3156159). Ageas Retail Limited Registered office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA (registered in England and Wales, number 1324965).

Age Co Home Emergency Cover is provided by AXA Assistance (UK) Ltd.

If you need to make a complaint, please refer to the policy documents.

Age Co are unable to offer insurance to residents of the Channel Islands.

Age UK Enterprises are always committed to providing good customer service. If you buy a product from Age UK Enterprises, you may be contacted by our partners Feefo on our behalf to find out about your buying experience.



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